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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $19,522 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,341 | $59,140-63.9% | $160,037-86.7% | $66,949-68.1% |
| Participation rate | 62.9% | 68.1%-5.3pp | 78.0%-15.1pp | 69.8%-7.0pp |
| Annual return | -11.26% | -12.25%+1.0pp | 408.95%-420.2pp | 1.57%-12.8pp |
| Employer contribution / active EE | $1,157 | $1,982-41.6% | $4,226-72.6% | $2,545-54.5% |
| Participant deferral / active EE | $3,787 | $4,399-13.9% | $6,184-38.8% | $4,239-10.7% |
| Admin fee / account holder | $114 | $591-80.7% | $8,716-98.7% | $594-80.8% |